home office 3200 w. wilshire blvd. total oklahoma city, ok ... · section e - $25,000 police bail...

THIS IS NOT AN INSURANCE CONTRACT NOR AN AUTOMOBILE LIABILITY OR PHYSICALDAMAGE POLICY AND DOES NOT COMPLY WITH ANY FINANCIAL RESPONSIBILITY LAW.

MCAE

Automobile Service Contract Form No.UN-700-0415

AGREEMENTIn return for payment of the membership fee and subject to all terms of this contract, we agree with you as follows:

DEFINITIONSThroughout this contract, "you" and "your" refer to the "named Member" shown on the Membership Card."Member" means You."We," "us," and "our" refer to Motor Club of America Enterprises, Inc., the company administering these services."Auto" means a self-propelled 4 wheel vehicle designed for use principally on public roads and which is a private passengeror station wagon type auto or a pick-up or panel truck."Additional vehicle", when used in this contract, includes vehicles of a dual wheel class, vehicles with a load capacity of 1 tonor greater, motorcycles, recreational vehicles, boat trailers, utility trailers, vehicle and implement trailers, livestock trailers, andfifth wheels you are using with the permission of the owner. It does not include semi-trucks or trucks with more than 2 axles."Your covered auto," when used in this contract, includes any Auto you are using with the permission of the owner."Your additional covered vehicle", when use in this contract, includes any Additional vehicle you are using with thepermission of the owner."Your covered vehicle", when used in this contract, includes Your covered auto or Your additional covered vehicle.

SECTION A - EMERGENCY ROAD SERVICE AND TOWINGWe will dispatch a service provider to the location of your covered vehicle when you are prevented from continuing to yourdestination because of a problem occurring on the road. Call the toll free number on your membership card to obtainservice. Help will be sent to your location if it is in an area that is accessible to the service truck. If safe conditionspermit, stay with your covered vehicle until the service truck arrives.

a. We will pay the reasonable service charge to get your covered auto on its way, but will not pay for any parts installed bythe serviceman. If the serviceman is not able to get your covered auto on its way within one half-hour of his arrival, youmay have your covered auto towed to the destination of your choice up to 100 miles. We will pay the reasonable chargefor the tow, but will not pay any additional charges if you request to be towed beyond the authorized distance.

b. We will pay the reasonable service charge up to $100.00 to get your additional covered vehicle on its way, but will notpay for any parts installed by the serviceman. If the serviceman is not able to get your additional covered vehicle on itsway within one half-hour of his arrival, you may have your additional covered vehicle towed to the destination of yourchoice. You will be responsible for all cost in excess of $100.00 for road side service and towing related to your additionalcovered vehicle.

c. A second charge for the same disablement is not covered. d. If you cannot obtain service by using our toll-free number and must call a local garage, pay the garage or service

station for the service performed, ask for the original receipted bill and send it to us within 90 days for reimbursement.We will reimburse you the reasonable charge for the service performed up to $100.00.

e. This service also includes: 1. Replacing a flat tire with your inflated spare tire or towing your covered auto to the nearestgarage if you don't have a spare tire; 2. Opening locked doors.

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HOME OFFICE3200 W. Wilshire Blvd.

Oklahoma City, OK. 731161-800-227-6459

Operated byMotor Club of America

Enterprises, Inc.

UN-700-1014

SecurityTotal

SECTION B - LEGAL REPRESENTATION FOR MOVING TRAFFIC VIOLATIONSI. If you are driving your covered auto, then our Provider Attorney will represent you in the court of original jurisdiciton for non-

criminal non-commercial covered moving violations subject to the following:a. You MUST call 1-800-227-6459 to report the traffic violation within 3 days (72 hours) after receiving the

citation.Please have your citation with you when you call. The call is logged, your membership is verified, and you willbe asked to immediately send the following:• Original citation or legible copy of both front and back of citation.• Completed Power of Attorney Certificate.• Statement of Fact regarding the incident.

b. We must receive the above information in full in the home office at least ten business days prior to your courtdate. When we receive the completed information, we will process and forward it to the Provider Attorney who willhandle the case in the jurisdiction where it was received. If any problems develop, we will try to contact you. Keepin touch with us!

c. Be sure that we and your Provider Attorney have telephone numbers where you can be reached, or amessage can be left and forwarded to you. It is very important to stay in touch with us and yourProvider Attorney.

d. Contact us by phone 3-5 business days after your initial contact with us for your provider Attorney’s name andnumber. The Provider Attorney will contact the court and take the necessary action to get you the best resultpossible. You should contact us for results 5 business days after your court date.

e. The Provider Attorney will bill us for his coverable attorney fees. However, you are responsible for any out-ofpocket expenses such as fines, fees, or other court costs. Call 1-800-227-6459.

f. If you choose to use your own attorney to represent you on a moving violation such as speeding, following tooclosely, or improper lane change, we will reimburse you up to $200.00 for the cost of representation as follows:$75.00 for a citation where no court appearance is necessary; $150.00 where a court appearance is necessary toeffect final disposition, or $200.00 when an actual trial is required for final disposition. Coverage is forrepresentation in the court of original jurisdiction.

II. If you are driving your covered auto, then we will pay a Provider Attorney up to $2000.00 to defend you against non-commercial covered charges of auto manslaughter, auto assault and battery, or vehicular homicide, provided you comply withI. a.) through e.) above. The maximum fees we will pay are as follows: $250.00 for preliminary proceedings; after indictment,$250.00 for each trial day. The maximum for preliminary proceedings and trial days is $2,000.00.

III. If your auto sustains damage as a result of an automobile accident, we will pay up to $500.00 to retain an attorney to assistin the collection for such damages. Accident must be reported to the state or local police and a copy of the officer's report mustbe submitted with your claim.

IV. If you receive personal injuries while driving or riding in an auto or as a result of being struck by an auto while walking, we willpay up to $500.00 to retain an attorney to assist in the collection of compensation for any such personal injuries. Accident mustbe reported to the state or local police and a copy of the officer's report must be submitted with your claim.

SECTION C - REIMBURSEMENT FOR EMERGENCY TRAVEL OR LIVING EXPENSEWe will reimburse you for the following unexpected expenses incurred because your covered vehicle is disabled as a resultof a collision with another vehicle or object.a. Rental of a replacement auto at the place of disablement while your covered vehicle is being repaired; orIf the collision which caused the disablement occurs at least 50 miles or more from your residence:b. Commercial transportation at the place of disablement to continue to your destination or return home; orc. Local lodging and meals in the vicinity of the garage repairing your covered auto. This includes expenses for your spouse and children if they are traveling with you.Reimbursement for b.) and c.) are limited to expenses incurred during the first 72 hours following the collision. Totalreimbursement will not exceed $500.00 per occurrence. Accident must be investigated by State or local police and a copy ofthe officers report must be submitted with your claim, as well as, billing from the repair facility showing the date your vehiclewas released to you.

SECTION D - GUARANTEED ARREST BOND CERTIFICATEThe Member is authorized to request courts and public officers to accept our $500.00 Arrest Bond Certificate printedon the Membership Identification Card. This Certificate guarantees the Member's appearance in court if the Member isarrested for a motor vehicle law violation. If the Member fails to appear, we will pay the fine up to $500.00 but the Membermust reimburse us.Although this certificate will be accepted in many states, in some states Arrest Bond Certificates are not acceptable,and in other states they are accepted for lesser amounts than $500.00. States accepting Arrest Bonds less than$500.00 are Alabama $300.00; Arizona $300.00; Illinois $160.00 for any single offense, or $500.00 for multiple offenses arisingout of the same occurrence; Arkansas, Colorado, Connecticut, Idaho, Iowa, Louisiana, Michigan, Mississippi, Nebraska, NewMexico, Ohio, Pennsylvania, Texas and Wisconsin $200.00. No Arrest Bonds are acceptable in California.

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SECTION E - $25,000 POLICE BAIL BONDWe will pay for the cost of a bail bond up to 10% of the amount of the bond, up to a $25,000.00 bond amount when you areinvolved in an auto accident while driving your covered auto. We will not be a surety on any bail bond, and only contract topay a professional bail bondsman's fee. Bond fee will not be provided for any non-moving violation charged and specificallyno bond will be provided when charged with:a. Illegally leaving the scene of an accident;b. An offense involving alcoholic beverages or the use thereof; drugs or the use thereof;c. Overweight, overlength, improper licenses, or no license, permits, tags or equipment;d. Delinquent or past due citations;These bonds are for first appearance only and do not include Appeal Bonds, nor do they discharge member of financialresponsibility for damages to others or their property.

SECTION F - STOLEN VEHICLE REWARDWe will pay a $5,000.00 reward for information leading to the arrest and conviction of anyone stealing your auto. Reward willnot be paid to you or any of your relatives.

SECTION G - FARM AND RANCH REWARDWe will pay a $500.00 reward for information leading to the arrest and conviction of anyone stealing a Member's livestock,saddle and tack, trailers, or farm equipment. Reward will not be paid to you or any of your relatives.

SECTION H - CREDIT CARD PROTECTIONWe will reimburse you for the financial loss which you sustain as the result of the loss or theft of your credit card(s) up to$50.00 for each card registered with us at the time of the loss or theft. The aggregrate we will pay for all cards lost or stolenshall not exceed $1,000.00.

SECTION I - TOURING AND TRAVEL SERVICESWe will furnish you with information, maps, itineraries of trips, and will make reservations for hotel, steamship, rail, airtravel and automobile rental service.

SECTION J - DISCOUNT SERVICESYou are entitled to many discount services and benefits including but not limited to the following:a. Car rental discountsb. Discounted Hotel / Motelc. Dental referral networkd. Eye care discountse. Prescription drug savings and mail-order prescription serviceSee fulfillment kit for details. These discount services and benefits are provided by third parties and are subject to changewithout notice.

SECTION K - PERSONAL ACCIDENT INSURANCEThe Member is covered by policies of insurance which pay benefits in case of injury, death or dismemberment as the resultof an accident. A certificate of insurance that explains the benefits provided by the policy will be given to the Member withthis Membership Contract.Coverage provided by Individual Assurance Company of Edmond, OK 73013.

SECTION L - WORLDWIDE TRAVEL ASSISTThe Named Member receives the Travel Assist Program which assists worldwide with issues such as:a. Medical Evacuationb. Medical Repatriationc. Non-Medical Repatriationd. Return of Remainse. Visit to Hospitalf. Return of Childg. Return of CompanionSee Travel Assist Description of Coverage for details.

CONTRACT AND TERRITORYThis contract applies only:1. During the contract period which begins upon receipt of payment of your Membeship fees and ceases immediately upon termination; and

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2. Within the United States of America, excluding its territories or possessions and within Canada, except for SECTION L which is applicable worldwide.

UNAUTHORIZED SERVICEWe will expect reimbursement for any service or benefit you receive that you are not entitled to under the provisionsof this contract.

EXCLUSIONSThis contract will not cover the following:1. When any auto is operated without permission of the owner.2. Reimbursement for any bill which is false or fraudulent or has been submitted after 90 days from the date of service.3. Service for commercial vehicles, vehicles being used for hire.4. Removal of snow or ice from or around your covered auto, or from any driveway or premises, or street, highway or parking area.5. All parts of auto, rental battery, return of rental battery, supplies or accessories furnished by garage or service station, repairs to door locks, new keys, and opening of rear deck.6. All repairs and materials used in repairing a flat tire, or a second trip by the garage for the same service call.7. All repairs to skid chains and snow tires, balancing of snow tires, rotating of tires and dismounting of skid chains or snow tires.8. Under Section B, D, and E, when any driver of the auto is charged with driving under the influence of intoxicating liquors, narcotics or psychedelic drugs; or does not have a valid operator's permit; or leaves the scene of the accident without disclosing his identity; or does not stop after hitting a person or object (hit and run driver).9. Under Section B, all court costs, experts’ fees, witnesses' fees, subpoenas, photographs, maps and fines.

10. Service for any incident occuring prior to the effective date and time.

TERMINATIONNon-Payment - If your Membership fee is not received within 30 days of the effective date, your Membership contract andall benefits will automatically terminate as of the effective date without further notice to you.Request of Named Member - You can cancel this Membership by returning the contract and Membership Card to usalong with a written notice advising us to cancel.Request of Company - We can cancel this Membership by mailing you a written notice advising you when yourMembership will be cancelled.Return of Unearned Membership Fee - If you or we cancel your Membership, the unearned fee (cancellation date toexpiration date) will be computed on a pro-rata basis. If you are entitled to a refund, it will be sent to you as soon aspossible after the processing of the cancellation.Excessive Service - The road service benefit is intended for use only in emergencies. Excessive use of this serviceusuallyindicates a vehicle in need of maintenance or repair. We can cancel your Membership if we consider your use of emergencyroad service excessive.

TERMS OF CONTRACT IN AGREEMENT WITH STATUTESTerms of this contract that are in conflict with statutes of the State where issued are changed to agree with those statutes.You will not be required to pay any amount, in addition to the membership fee, for any of the services and benefits in thiscontract.

This Service contract is valid after it has been signed by our authorized representative.

Secretary President

STATE EXCEPTIONS1. In Virginia, Section D coverages provided by CNA, Phoenix, AZ 85020-3976.2. In California, Section B and D coverages provided by CNA, Phoenix, AZ 85020-3976.

STATE REQUIREMENTMotor Club Of America Enterprises, Inc. office in the state of Idaho is located at 2510 North Fourth Street, Coeur D'Arlene, ID 83814Phone 1-800-227-6459.Motor Club Of America Enterprises, Inc. office in the state of Wyoming is located at 1720 Carey Ave, Cheyenne, Wyoming 82002Phone 1-800-227-6459.

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This is a Certificate of Participation

in Master Policy GTU-4379457 issued to

Motor Club of America Enterprises, Inc. P.O. Box 20689, Oklahoma City, OK 73156-9932

Tel # 800-227-6459

Underwritten By: Individual Assurance Company, Life, Health & Accident (referred to as “We,” “Our,” “Ours”)

Eligibility: The Named Member on all active MCA Total Security Platinum, MCA Total Security Gold, MCA Total Security and MCA Security Plus paid-to-date memberships in good standing of the Motor Club of America Enterprise, Inc. (referred to as “Motor Club”). Period of Coverage: All Eligible members are covered as long as their membership is in force and in good standing. Your coverage will end on the earlier of the date: 1) The Master Policy is terminated; 2) You are no longer eligible; or 3) The period ends for which your membership is paid. Definitions: Accident means a sudden, unexpected and unintended, specific and abrupt event that occurs by chance at an identifiable time and place during the Policy term. Covered Accident means an Accident that results in a Covered Loss. Covered Loss means a loss which meets the requisites of one or more benefits, resulting from a Covered Injury, and for which benefits are payable under the Policy. Covered Injury means an Injury directly caused by accidental means which is independent of all other causes and results from a Covered Accident. Injury means a bodily Injury. You/Your means a person eligible under the Policy. Emergency Room means a trauma center or a special area in a Hospital that is equipped and staffed to give people emergency treatment on an outpatient basis. An Emergency Room is not a clinic or doctor’s office. Hospital means an institution that: 1) operates as a Hospital pursuant to law for the care, treatment, and providing of in-patient services for sick or injured persons; 2) provides 24-hour nursing service by Registered Nurses on duty or call; 3) has a staff of one or more licensed doctors available at all times; 4) provides organized facilities for diagnosis, treatment and surgery; 5) is not primarily a nursing care facility, rest home, convalescent home, or similar establishment, or any separate ward, wing or section of a Hospital used as such; and is not a place for drug addicts, alcoholics, or the aged. Confined in a Hospital means a Hospital Stay of 24 or more consecutive hours as a registered resident bed-patient in a Hospital. Hospital Stay must meet the following: 1) be at the direction and under the care of a Doctor; 2) Begin within 30 days of a Covered Injury; 3) begin while Your coverage of this plan is in effect. Doctor means a licensed heath care provider acting within the scope of his or her license and rendering care or treatment to You that is appropriate for the conditions and locality. It does not include your immediate family or household. Accidental Death or Dismemberment Benefit: We will pay the benefit shown below if Injury or death occurs due to a Covered Accident, 24 hours a day, anywhere in the world, subject to the limitations listed below. If Your Injury results in any of the following losses within 90 days after the date of the Covered Accident, We will pay the amount shown below for that loss. If multiple losses occur (such as the Loss of sight in Both Eyes and the Loss of One Foot), only one Benefit Amount, the largest, will be paid for all losses due to the same Covered Accident. Principal Sum: $10,000 Description of Loss Indemnity Life; Both Hands; Both Feet; One Hand and One Foot, Sight of both Eyes; Principal Sum Speech and Hearing; Loss of Use of Four Limbs Loss of Use of Three Limbs 3 / 4 Principal Sum Loss of Use of Two Limbs 2 / 3 Principal Sum Speech or Hearing; One Hand, One Foot, or Sight of one Eye 1 / 2 Principal Sum One Hand and One Foot; Either Hand or Foot and Sight of One Eye 1 / 4 Principal Sum The term “Loss” means, with regard to hands and feet, actual severance through or above wrist or ankle joint, and with regard to eyes, entire irrecoverable loss of sight. The term “Loss of Use” shall mean total paralysis of a limb or limbs which is determined by competent medical authority to be permanent, complete and irreversible. Emergency Room Benefit: If You suffer an Injury resulting in a Covered Loss that requires Emergency Room Treatment for You, We will pay up to $500 for the following Emergency Room outpatient treatments: Ambulance Service to or from the Emergency Room Up to $100 Anesthetics Up to $100 X-Rays Up to $100 Emergency Room Up to $100 Casts and Splints Up to $100 This benefit will be paid for a maximum of four (4) visits for Emergency Room Treatment per Policy year. In-Hospital Indemnity Benefit: If You suffer a Covered Injury resulting in a Covered Loss that requires You to be confined in a Hospital within 30 days of the Covered Injury, We will pay a daily benefit of $150.00 per day for each day You are Confined in a Hospital up to a maximum of 365 days. Exclusions and Limitations: We will not pay benefits for any loss or Injury that is caused by, or results from, either directly or indirectly: purposely self-inflicted Injury; suicide or attempted suicide; war or any act of war, whether declared or not; service in the military, naval or air service of any country; sickness, disease, or any bacterial infection except pus forming infections from an accidental cut or wound; travel or flight in any aircraft except as a passenger, riding in or on, boarding, or getting off any civilian aircraft with a current and valid standard category airworthiness certificate which is being operated by a pilot with current and valid medical certificate and a pilot certificate with proper rating to pilot such aircraft; pregnancy, including childbirth, but not including complications thereof; or contributed to, either directly or indirectly, by the Insured being intoxicated or under the influence of any controlled substance, unless such controlled substance was prescribed by a physician and taken in accordance with the prescribed dosage. If You suffer more than one loss as a result of the same Accident, We will pay only one benefit, the largest benefit. Claim Administration: The Cover Person or beneficiary, or someone on his or her behalf, must give us written notice within 90 days of the accident. The notice must name the Covered Person and the policy number GTU-4379457. Send the notice to Motor Club of America Enterprises, Inc., 3200 W Wilshire Blvd., Oklahoma City, OK 73116. We will send you the claimant Proof of Loss forms within 15 days after we get the notice. Written Proof of Loss must be sent to us within 90 day of the loss for all coverage. Beneficiary Designation: Loss, if any, as respects accidental death of the Covered Member shall be payable to the beneficiary or beneficiaries as designated in writing by the Covered Member and on file with the Motor Club, or if none so designated, then the first surviving class of the following class of beneficiaries: 1) Spouse of Covered Member; 2) children equally, if living; 3) parents, equally, or to the survivor; 4) brothers or sisters equally, or to the survivor(s); 5) estate of the Covered Person. All other indemnities shall be payable to the Covered Person. This is a brief description of the important features of the coverage. It is not a contract of insurance. The terms and conditions of coverage are set forth in GTU-4379457, issued to the Motor Club of America Enterprises, Inc. Coverage may not be available in all states or certain terms or conditions may be different if required by state law. Please keep this information as a reference. The Master Policy can be reviewed at the Motor Club’s home office located at 3200 W Wilshire Blvd, Oklahoma City Ok 73116.

This is a certificate of participation in a group accidental injury and death policy and is not motor

vehicle liability insurance coverage.

INDIVIDUAL ASSURANCE COMPANY

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Motor Club of America Enterprises, Inc. P.O. Box 21443 Oklahoma City, OK 73156-1443

Tel # 800-227-6459


Eligibility: The Named Member on all active MCA Total Security Platinum, MCA Total Security Gold, MCA Total Security and MCA Security Plus paid-to-date memberships in good standing of the Motor Club of America Enterprise, Inc. (referred to as “Motor Club”). who have elected Option A “Member Only” coverage, and are under age 70. Period of Coverage: All Eligible members are covered as long as their membership is in force and in good standing. Your coverage will end on the earlier of the date: 1) The Master Policy is terminated; 2) You are no longer eligible; 3) The period ends for which your membership is paid; or 4) You reach age 70. Definitions: Accident: means a sudden, unexpected and unintended event. Covered Accident: means an Accident that occurs while coverage is in force for a Covered Person and results in a loss or Injury covered by the Policy for which benefits are payable. This includes Injury sustained while the Covered Person is a passenger, riding in or on, boarding, or getting off any civilian aircraft with a current and valid standard category airworthiness certificate. The aircraft must be operated by a pilot with current and valid Medical certificate and a pilot certificate with proper rating to pilot such aircraft. Injury: means accidental bodily harm sustained by a Covered Person that results directly and independently from all other causes, from a Covered Accident. The Injury must be caused solely through external, violent and accidental means. All Injuries sustained by one person in any one Accident, including all related conditions and recurrent symptoms of these injuries, is considered a single Injury. You/Your: means a person insured under the policy. 24 Hour Benefit: We will pay the benefit shown below if Injury or death occurs due to a covered accident, 24 hours a day, anywhere in the world, subject to the limitations listed below. If Your Injury results in any of the following losses within 90 days after the date of the Covered Accident, We will pay the amount shown below for that loss. If multiple losses occur (such as the Loss of sight in Both Eyes and the Loss of One Foot), only one Benefit Amount, the largest, will be paid for all losses due to the same Covered Accident. Principal Sum: $50,000 Description of Loss Indemnity Life; Both Hands; Both Feet; One Hand and One Foot, Sight of both Eyes; Principal Sum Speech and Hearing; Loss of Use of Four Limbs Loss of Use of Three Limbs 3 / 4 Principal Sum Loss of Use of Two Limbs 2 / 3 Principal Sum Speech or Hearing; One Hand, One Foot, or Sight of one Eye 1 / 2 Principal Sum One Hand and One Foot; Either Hand or Foot and Sight of One Eye 1 / 4 Principal Sum The term “Loss” means, with regard to hands and feet, actual severance through or above wrist or ankle joint, and with regard to eyes, entire irrecoverable loss of sight. The term “Loss of Use” shall mean total paralysis of a limb or limbs which is determined by competent medical authority to be permanent, complete and irreversible. Exclusions and Limitations: We will not pay benefits for any loss or Injury that is caused by, or results from, either directly or indirectly: purposely self-inflicted Injury; suicide or attempted suicide; war or any act of war, whether declared or not; service in the military, naval or air service of any country; sickness, disease, or any bacterial infection except pus forming infections from an accidental cut or wound; travel or flight in any aircraft except as a passenger, riding in or on, boarding, or getting off any civilian aircraft with a current and valid standard category airworthiness certificate which is being operated by a pilot with current and valid medical certificate and a pilot certificate with proper rating to pilot such aircraft; pregnancy, including childbirth, but not including complications thereof; or contributed to, either directly or indirectly, by the Insured being intoxicated or under the influence of any controlled substance, unless such controlled substance was prescribed by a physician and taken in accordance with the prescribed dosage. Claim Administration: The Cover Person or beneficiary, or someone on his or her behalf, must give us written notice within 90 days of the accident. The notice must name the Covered Person and the policy number GTU-2621037. Send the notice to Motor Club of America Enterprises, Inc., 3200 W Wilshire Blvd., Oklahoma City, OK 73116. We will send you the claimant Proof of Loss forms within 15 days after we get the notice. Written Proof of Loss must be sent to us within 90 day of the loss for all coverage. Beneficiary Designation: Loss, if any, as respects accidental death of the Covered Member shall be payable to the beneficiary or beneficiaries as designated in writing by the Covered Member and on file with the Motor Club, or if none so designated, then the first surviving class of the following class of beneficiaries: 1) Spouse of Covered Member; 2) children equally, if living; 3) parents, equally, or to the survivor; 4) brothers or sisters equally, or to the survivor(s); 5) estate of the Covered Person. All other indemnities shall be payable to the Covered Person. This is a brief description of the important features of the coverage. It is not a contract of insurance. The terms and conditions of coverage are set forth in GTU-2621037, issued to the Motor Club of America Enterprises, Inc. Coverage may not be available in all states or certain terms or conditions may be different if required by state law. Please keep this information as a reference. The Master Policy can be review at the Motor Club’s home office located at 3200 W Wilshire Blvd, Oklahoma City Ok 73116.

This is a certificate of participation in a group accidental injury and death policy and is not

motor vehicle liability insurance coverage.


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Tel # 800-227-6459


Eligibility: The Named Member or Spouse on all active MCA Total Security Platinum, MCA Total Security Gold, MCA Total Security and MCA Security Plus paid-to-date memberships in good standing of the Motor Club of America Enterprise, Inc. (referred to as “Motor Club”), who have elected Option B “Member and Spouse” coverage, and are under age 70. Period of Coverage: All Eligible members are covered as long as their membership is in force and in good standing. Your coverage will end on the earlier of the date: 1) The Master Policy is terminated, 2) You are no longer eligible; 3) The period ends for which your membership is paid; or 4) You reach age 70. Definitions: Accident: means a sudden, unexpected and unintended event. Covered Accident: means an Accident that occurs while coverage is in force for a Covered Person and results in a loss or Injury covered by the Policy for which benefits are payable. This includes Injury sustained while the Covered Person is a passenger, riding in or on, boarding, or getting off any civilian aircraft with a current and valid standard category airworthiness certificate. The aircraft must be operated by a pilot with current and valid Medical certificate and a pilot certificate with proper rating to pilot such aircraft. Injury: means accidental bodily harm sustained by a Covered Person that results directly, and independently from all other causes, from a Covered Accident. The Injury must be caused solely through external, violent and accidental means. All Injuries sustained by one person in any one Accident, including all related conditions and recurrent symptoms of these injuries, are considered a single Injury. You/Your: means a person insured under the policy. 24 Hour Benefit: We will pay the benefit shown below if Injury or death occurs due to a covered accident, 24 hours a day, anywhere in the world, subject to the limitations listed below. If Your Injury results in any of the following losses within 90 days after the date of the Covered Accident, We will pay the amount shown below for that loss. If multiple losses occur (such as the Loss of sight in Both Eyes and the Loss of One Foot), only one Benefit Amount, the largest, will be paid for all losses due to the same Covered Accident. Principal Sum: $25,000

Description of Loss Indemnity Life; Both Hands; Both Feet; One Hand and One Foot, Sight of both Eyes; Principal Sum Speech and Hearing; Loss of Use of Four Limbs Loss of Use of Three Limbs 3 / 4 Principal Sum Loss of Use of Two Limbs 2 / 3 Principal Sum Speech or Hearing; One Hand, One Foot, or Sight of one Eye 1 / 2 Principal Sum One Hand and One Foot; Either Hand or Foot and Sight of One Eye 1 / 4 Principal Sum The term “Loss” means, with regard to hands and feet, actual severance through or above wrist or ankle joint, and with regard to eyes, entire irrecoverable loss of sight. The term “Loss of Use” shall mean total paralysis of a limb or limbs which is determined by competent medical authority to be permanent, complete and irreversible. Exclusions and Limitations: We will not pay benefits for any loss or Injury that is caused by, or results from, either directly or indirectly: purposely self-inflicted Injury; suicide or attempted suicide; war or any act of war, whether declared or not; service in the military, naval or air service of any country; sickness, disease, or any bacterial infection except pus forming infections from an accidental cut or wound; travel or flight in any aircraft except as a passenger, riding in or on, boarding, or getting off any civilian aircraft with a current and valid standard category airworthiness certificate which is being operated by a pilot with current and valid medical certificate and a pilot certificate with proper rating to pilot such aircraft; pregnancy, including childbirth, but not including complications thereof; or contributed to, either directly or indirectly, by the Insured being intoxicated or under the influence of any controlled substance, unless such controlled substance was prescribed by a physician and taken in accordance with the prescribed dosage. Claim Administration: The Cover Person or beneficiary, or someone on his or her behalf, must give us written notice within 90 days of the accident. The notice must name the Covered Person and the policy number GTU-2621037. Send the notice to Motor Club of America Enterprises, Inc., 3200 W Wilshire Blvd., Oklahoma City, OK 73116. We will send you the claimant Proof of Loss forms within 15 days after we get the notice. Written Proof of Loss must be sent to us within 90 day of the loss for all coverage. Beneficiary Designation: Loss, if any, as respects accidental death of the Covered Member shall be payable to the beneficiary or beneficiaries as designated in writing by the Covered Member and on file with the Motor Club, or if none so designated, then the first surviving class of the following class of beneficiaries: 1) Spouse of Covered Member; 2) children equally, if living; 3) parents, equally, or to the survivor; 4) brothers or sisters equally, or to the survivor(s); 5) estate of the Covered Person. All other indemnities shall be payable to the Covered Person. This is a brief description of the important features of the coverage. It is not a contract of insurance. The terms and conditions of coverage are set forth in GTU-2621037, issued to the Motor Club of America Enterprises, Inc. Coverage may not be available in all states or certain terms or conditions may be different if required by state law. Please keep this information as a reference. The Master Policy can be review at the Motor Club’s home office located at 3200 W Wilshire Blvd, Oklahoma City Ok 73116.




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Tel # 800-227-6459

Underwritten By: Individual Assurance Company, Life, Health & Accident (referred to as “We,” “Our,” “Ours”) Eligibility: The Named Member and Spouse, under age 70, and their unmarried dependent children from birth to 19 years of age, or 25 years if attending an accredited school or college on a full-time basis, and dependent upon the Member for their support and maintenance, on all active MCA Total Security Platinum, MCA Total Security Gold, MCA Total Security and MCA Security Plus paid-to-date memberships in good standing of the Motor Club of America Enterprise, Inc. (referred to as “Motor Club”), , who have elected Option C “Family” coverage. Period of Coverage: All Eligible members are covered as long as their membership is in force and in good standing. Your coverage will end on the earlier of the date: 1) The Master Policy is terminated, 2) You are no longer eligible; or 3) The period ends for which your membership is paid; or 4) You reach age 70. Definitions: Accident: means a sudden, unexpected and unintended event. Covered Accident: means an Accident that occurs while coverage is in force for a Covered Person and results in a loss or Injury covered by the Policy for which benefits are payable. This includes Injury sustained while the Covered Person is a passenger, riding in or on, boarding, or getting off any civilian aircraft with a current and valid standard category airworthiness certificate. The aircraft must be operated by a pilot with current and valid Medical certificate and a pilot certificate with proper rating to pilot such aircraft. Injury: means accidental bodily harm sustained by a Covered Person that results directly, and independently from all other causes, from a Covered Accident. The Injury must be caused solely through external, violent and accidental means. All Injuries sustained by one person in any one Accident, including all related conditions and recurrent symptoms of these injuries, are considered a single Injury. You/Your: means a person insured under the policy. 24 Hour Benefit: We will pay the benefit shown below if Injury or death occurs due to a covered accident, 24 hours a day, anywhere in the world, subject to the limitations listed below. If Your Injury results in any of the following losses within 90 days after the date of the Covered Accident, We will pay the amount shown below for that loss. If multiple losses occur (such as the Loss of sight in Both Eyes and the Loss of One Foot), only one Benefit Amount, the largest, will be paid for all losses due to the same Covered Accident.

Principal Sum: $30,000 Member; $15,000 Spouse; $3,500 Child(ren) Description of Loss Indemnity Life; Both Hands; Both Feet; One Hand and One Foot, Sight of both Eyes; Principal Sum Speech and Hearing; Loss of Use of Four Limbs Loss of Use of Three Limbs 3 / 4 Principal Sum Loss of Use of Two Limbs 2 / 3 Principal Sum Speech or Hearing; One Hand, One Foot, or Sight of one Eye 1 / 2 Principal Sum One Hand and One Foot; Either Hand or Foot and Sight of One Eye 1 / 4 Principal Sum The term “Loss” means, with regard to hands and feet, actual severance through or above wrist or ankle joint, and with regard to eyes, entire irrecoverable loss of sight. The term “Loss of Use” shall mean total paralysis of a limb or limbs which is determined by competent medical authority to be permanent, complete and irreversible. Day Care Benefit: If the Named Member suffers loss of life in a covered accident, we will pay, in addition to all other benefits payable, a “Day Care Benefit” of $1,500 a year for any dependent child who, on the date of accident, was enrolled in an accredited child care facility, or is enrolled within 90 days from the date of loss. The “Day Care Benefit” is payable annually for a maximum of four consecutive annual payments but only if the dependent child is under age 13 and remains enrolled in an accredited licensed child care facility. Special Education Benefit: If the Named Member suffers loss of life in a covered accident, we will pay, in addition to all other benefits payable, a “Special Education Benefit” of $1,500 per year for any dependent child who, on the date of the accident, is enrolled as a full time student in an institute of higher learning or any dependent child who, on the date of the accident, is at a 12

th grade level and enrolls in

an institute of higher learning within one year from the date of the accident. The “Special Education Benefit” is payable annually for a maximum of four consecutive annual payments as long as the dependent child remains enrolled full time in an institute of higher learning. Spouse Retraining Benefit: If the Named Member suffers loss of life in an covered accident, we will pay, in addition to all other benefits payable, a “Spouse Retraining Benefit” for the actual cost incurred within 30 months of the date of death for any professional or trades training program in which such spouse has enrolled for the purpose of obtaining an independent source of support and maintenance, but not to exceed a maximum total payment of $3,000. Extended Family Benefits: If the Named Member suffers lose of life in a covered accident, insurance in force on the date of loss with respect to the spouse and dependent children is continued automatically at no further cost for a period of 365 days from the date of loss. Exclusions and Limitations: We will not pay benefits for any loss or Injury that is caused by, or results from, either directly or indirectly: purposely self-inflicted Injury; suicide or attempted suicide; war or any act of war, whether declared or not; service in the military, naval or air service of any country; sickness, disease, or any bacterial infection except pus forming infections from an accidental cut or wound; travel or flight in any aircraft except as a passenger, riding in or on, boarding, or getting off any civilian aircraft with a current and valid standard category airworthiness certificate which is being operated by a pilot with current and valid medical certificate and a pilot certificate with proper rating to pilot such aircraft; pregnancy, including childbirth, but not including complications thereof; or contributed


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to, either directly or indirectly, by the Insured being intoxicated or under the influence of any controlled substance, unless such controlled substance was prescribed by a physician and taken in accordance with the prescribed dosage. Claim Administration: The Cover Person or beneficiary, or someone on his or her behalf, must give us written notice within 90 days of the accident. The notice must name the Covered Person and the policy number GTU-2621037. Send the notice to Motor Club of America Enterprises, Inc., 3200 W Wilshire Blvd., Oklahoma City, OK 73116. We will send you the claimant Proof of Loss forms within 15 days after we get the notice. Written Proof of Loss must be sent to us within 90 day of the loss for all coverage. Beneficiary Designation: Loss, if any, as respects accidental death of the Covered Member shall be payable to the beneficiary or beneficiaries as designated in writing by the Covered Member and on file with the Motor Club, or if none so designated, then the first surviving class of the following class of beneficiaries: 1) Spouse of Covered Member; 2) children equally, if living; 3) parents, equally, or to the survivor; 4) brothers or sisters equally, or to the survivor(s); 5) estate of the Covered Person. All other indemnities shall be payable to the Covered Person. This is a brief description of the important features of the coverage. It is not a contract of insurance. The terms and conditions of coverage are set forth in GTU-2621037, issued to the Motor Club of America Enterprises, Inc. Coverage may not be available in all states or certain terms or conditions may be different if required by state law. Please keep this information as a reference. The Master Policy can be review at the Motor Club’s home office located at 3200 W Wilshire Blvd, Oklahoma City Ok 73116.




MCAE



DEFINITIONSThroughout this contract, "you" and "your" refer to the "named Member" shown on the Membership Card."Member" means You."We," "us," and "our" refer to Motor Club of America Enterprises, Inc., the company administering these services."Auto" means a self-propelled 4 wheel vehicle designed for use principally on public roads and which is one of thefollowing types:

a. A private passenger or station wagon type auto;b. A pick-up or panel truck.

"Your covered auto," when used in this contract, includes any auto you are using with the permission of the owner..SECTION A - EMERGENCY ROAD SERVICE AND TOWING

We will pay the reasonable service charge of garage or service station whenever you are prevented from driving yourcovered auto because of a problem occurring on the road. See your membership card for instructions as to how toobtain service. Help will be sent to the location of your covered auto if it is in an area that is accessible to the servicetruck. If safe conditions permit, stay with your covered auto until service truck arrives.We will pay the reasonable service charge to get your covered auto on its way but will not pay for any parts installedby the serviceman.If the serviceman is not able to get your covered auto on its way within one half-hour of his arrival, you may have it towed tothe nearest available garage. We will pay the reasonable charge for the tow but will not pay any additional charges if you requestto be towed to somewhere other than the nearest garage.If you cannot obtain service by using our toll-free number and must call a local garage, pay the garage or servicestation for the service performed, ask for the original receipted bill and send it to us within 90 days for reimbursement.We will reimburse you the reasonable charge for the service performed up to $100.00; a second charge for the samedisablement is not covered.This service also includes:

a. Replacing a flat tire with your inflated spare tire or towing your covered auto to the nearest garage if you don't have a spare tire;b. Opening locked doors.




b. We must receive the above information in full in the home office at least ten business days prior to your court

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UN-702-1014


Oklahoma City, OK. 731161-800-227-6459


Enterprises, Inc.

SecurityPlus

date. When we receive the completed information, we will process and forward it to the Provider Attorneywho will handle the case in the jurisdiction where it was received. If any problems develop, we will try to contactyou. Keep in touch with us!





II. If you are driving your covered auto, then we will pay a Provider Attorney up to $2000.00 to defend you against non-commercial covered charges of auto manslaughter, auto assault and battery, or vehicular homicide, provided you complywith I. a.) through e.) above. The maximum fees we will pay are as follows: $250.00 for preliminary proceedings; after indictment, $250.00 for each trial day. The maximum for preliminary proceedings and trial days is $2,000.00.

III. If your auto sustains damage as a result of an automobile accident, we will pay up to $500.00 to retain an attorney toassist in the collection for such damages. Accident must be reported to the state or local police and a copy of the officer'sreport must be submitted with your claim.

IV. If you receive personal injuries while driving or riding in an auto or as a result of being struck by an auto while walking, wewill pay up to $500.00 to retain an attorney to assist in the collection of compensation for any such personal injuries.Accident must be reported to the state or local police and a copy of the officer's report must be submitted with your claim.


SECTION D - GUARANTEED ARREST BOND CERTIFICATEThe Member is authorized to request courts and public officers to accept our $500.00 Arrest Bond Certificate printed on theMembership Identification Card. This Certificate guarantees the Member's appearance in court if the Member is arrested fora motor vehicle law violation. If the Member fails to appear, we will pay the fine up to $500.00 but the Member must reim-burse us.Although this certificate will be accepted in many states, in some states Arrest Bond Certificates are not acceptable,and in other states they are accepted for lesser amounts than $500.00. States accepting Arrest Bonds less than$500.00 are Alabama $300.00; Arizona $300.00; Illinois $160.00 for any single offense, or $500.00 for multiple offenses arisingout of the same occurrence; Arkansas, Colorado, Connecticut, Idaho, Iowa, Louisiana, Michigan, Mississippi, Nebraska, New Mexico,Ohio, Pennsylvania, Texas and Wisconsin $200.00. No Arrest Bonds are acceptable in California.


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SECTION H - CREDIT CARD PROTECTIONWe will reimburse you for the financial loss which you sustain as the result of the loss or theft of your credit card(s) up to$50.00 for each card registered with us at the time of the loss or theft. The aggregrate we will pay for all cards lost or stolenshall not exceed $1000.00.



SECTION K - PERSONAL ACCIDENT INSURANCEThe Member is covered by a policy of insurance which pays benefits in case of injury, death or dismemberment as theresult of an accident. A certificate of insurance that explains the benefits provided by the policy will be given to the Memberwith this Membership Contract.Coverage provided by Individual Assurance Company of Edmond, OK 73013.


CONTRACT AND TERRITORYThis contract applies only:1. During the contract period which begins upon receipt of payment of your Membership fees and ceases immediately upon termination; and2. Within the United States of America, excluding its territories or possessions and within Canada, except SECTION L which is applicable worldwide.


EXCLUSIONSThis contract will not cover the following:1. When any auto is operated without permission of the owner.2. Reimbursement for any bill which is false or fraudulent or has been submitted after 90 days from the date of service.3. Service for commercial vehicles, vehicles being used for hire, trucks with a licensed load capacity in excess of one (1) ton, buses, trailers, tractors, or vehicles of dual wheel class.

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4. Removal of snow or ice from or around your covered auto, or from any driveway or premises, or street, highway or parking area.5. All parts of auto, rental battery, return of rental battery, supplies or accessories furnished by garage or service station, repairs to door locks, new keys, and opening of rear deck.6. All repairs and materials used in repairing a flat tire, or a second trip by the garage for the same service call.7. All repairs to skid chains and snow tires, balancing of snow tires, rotating of tires and dismounting of skid chains or snow tires.8. Under Section B, D, and E, when any driver of the auto is charged with driving under the influence of intoxicating liquors, narcotics or psychedelic drugs; or does not have a valid operator's permit; or leaves the scene of the accident without disclosing his identity; or does not stop after hitting a person or object (hit and run driver).9. Under Section B, all court costs, experts’ fees, witnesses' fees, subpoenas, photographs, maps and fines.


TERMINATIONNon-Payment - If your Membership fee is not received within 30 days of the effective date, your Membership contract andall benefits will automatically terminate as of the effective date without further notice to you.Request of Named Member - You can cancel this Membership by returning the contract and Membership Card to usalong with a written notice advising us to cancel..Request of Company - We can cancel this Membership by mailing you a written notice advising you when yourMembership will be cancelled.Return of Unearned Membership Fee - If you or we cancel your Membership, the unearned fee (cancellation date toexpiration date) will be computed on a pro-rata basis. If you are entitled to a refund, it will be sent to you as soon aspossible after the processing of the cancellation.Excessive Service - The road service benefit is intended for use only in emergencies. Excessive use of this serviceusuallyindicates a vehicle in need of maintenance or repair. We can cancel your Membership if we consider your use of emergencyroad service excessive.



Secretary President



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Tel # 800-227-6459


Eligibility: The Named Member on all active MCA Total Security Platinum, MCA Total Security Gold, MCA Total Security and MCA Security Plus paid-to-date memberships in good standing of the Motor Club of America Enterprise, Inc. (referred to as “Motor Club”). Period of Coverage: All Eligible members are covered as long as their membership is in force and in good standing. Your coverage will end on the earlier of the date: 1) The Master Policy is terminated; 2) You are no longer eligible; or 3) The period ends for which your membership is paid. Definitions: Accident means a sudden, unexpected and unintended, specific and abrupt event that occurs by chance at an identifiable time and place during the Policy term. Covered Accident means an Accident that results in a Covered Loss. Covered Loss means a loss which meets the requisites of one or more benefits, resulting from a Covered Injury, and for which benefits are payable under the Policy. Covered Injury means an Injury directly caused by accidental means which is independent of all other causes and results from a Covered Accident. Injury means a bodily Injury. You/Your means a person eligible under the Policy. Emergency Room means a trauma center or a special area in a Hospital that is equipped and staffed to give people emergency treatment on an outpatient basis. An Emergency Room is not a clinic or doctor’s office. Hospital means an institution that: 1) operates as a Hospital pursuant to law for the care, treatment, and providing of in-patient services for sick or injured persons; 2) provides 24-hour nursing service by Registered Nurses on duty or call; 3) has a staff of one or more licensed doctors available at all times; 4) provides organized facilities for diagnosis, treatment and surgery; 5) is not primarily a nursing care facility, rest home, convalescent home, or similar establishment, or any separate ward, wing or section of a Hospital used as such; and is not a place for drug addicts, alcoholics, or the aged. Confined in a Hospital means a Hospital Stay of 24 or more consecutive hours as a registered resident bed-patient in a Hospital. Hospital Stay must meet the following: 1) be at the direction and under the care of a Doctor; 2) Begin within 30 days of a Covered Injury; 3) begin while Your coverage of this plan is in effect. Doctor means a licensed heath care provider acting within the scope of his or her license and rendering care or treatment to You that is appropriate for the conditions and locality. It does not include your immediate family or household. Accidental Death or Dismemberment Benefit: We will pay the benefit shown below if Injury or death occurs due to a Covered Accident, 24 hours a day, anywhere in the world, subject to the limitations listed below. If Your Injury results in any of the following losses within 90 days after the date of the Covered Accident, We will pay the amount shown below for that loss. If multiple losses occur (such as the Loss of sight in Both Eyes and the Loss of One Foot), only one Benefit Amount, the largest, will be paid for all losses due to the same Covered Accident. Principal Sum: $10,000 Description of Loss Indemnity Life; Both Hands; Both Feet; One Hand and One Foot, Sight of both Eyes; Principal Sum Speech and Hearing; Loss of Use of Four Limbs Loss of Use of Three Limbs 3 / 4 Principal Sum Loss of Use of Two Limbs 2 / 3 Principal Sum Speech or Hearing; One Hand, One Foot, or Sight of one Eye 1 / 2 Principal Sum One Hand and One Foot; Either Hand or Foot and Sight of One Eye 1 / 4 Principal Sum The term “Loss” means, with regard to hands and feet, actual severance through or above wrist or ankle joint, and with regard to eyes, entire irrecoverable loss of sight. The term “Loss of Use” shall mean total paralysis of a limb or limbs which is determined by competent medical authority to be permanent, complete and irreversible. Emergency Room Benefit: If You suffer an Injury resulting in a Covered Loss that requires Emergency Room Treatment for You, We will pay up to $500 for the following Emergency Room outpatient treatments: Ambulance Service to or from the Emergency Room Up to $100 Anesthetics Up to $100 X-Rays Up to $100 Emergency Room Up to $100 Casts and Splints Up to $100 This benefit will be paid for a maximum of four (4) visits for Emergency Room Treatment per Policy year. In-Hospital Indemnity Benefit: If You suffer a Covered Injury resulting in a Covered Loss that requires You to be confined in a Hospital within 30 days of the Covered Injury, We will pay a daily benefit of $150.00 per day for each day You are Confined in a Hospital up to a maximum of 365 days. Exclusions and Limitations: We will not pay benefits for any loss or Injury that is caused by, or results from, either directly or indirectly: purposely self-inflicted Injury; suicide or attempted suicide; war or any act of war, whether declared or not; service in the military, naval or air service of any country; sickness, disease, or any bacterial infection except pus forming infections from an accidental cut or wound; travel or flight in any aircraft except as a passenger, riding in or on, boarding, or getting off any civilian aircraft with a current and valid standard category airworthiness certificate which is being operated by a pilot with current and valid medical certificate and a pilot certificate with proper rating to pilot such aircraft; pregnancy, including childbirth, but not including complications thereof; or contributed to, either directly or indirectly, by the Insured being intoxicated or under the influence of any controlled substance, unless such controlled substance was prescribed by a physician and taken in accordance with the prescribed dosage. If You suffer more than one loss as a result of the same Accident, We will pay only one benefit, the largest benefit. Claim Administration: The Cover Person or beneficiary, or someone on his or her behalf, must give us written notice within 90 days of the accident. The notice must name the Covered Person and the policy number GTU-4379457. Send the notice to Motor Club of America Enterprises, Inc., 3200 W Wilshire Blvd., Oklahoma City, OK 73116. We will send you the claimant Proof of Loss forms within 15 days after we get the notice. Written Proof of Loss must be sent to us within 90 day of the loss for all coverage. Beneficiary Designation: Loss, if any, as respects accidental death of the Covered Member shall be payable to the beneficiary or beneficiaries as designated in writing by the Covered Member and on file with the Motor Club, or if none so designated, then the first surviving class of the following class of beneficiaries: 1) Spouse of Covered Member; 2) children equally, if living; 3) parents, equally, or to the survivor; 4) brothers or sisters equally, or to the survivor(s); 5) estate of the Covered Person. All other indemnities shall be payable to the Covered Person. This is a brief description of the important features of the coverage. It is not a contract of insurance. The terms and conditions of coverage are set forth in GTU-4379457, issued to the Motor Club of America Enterprises, Inc. Coverage may not be available in all states or certain terms or conditions may be different if required by state law. Please keep this information as a reference. The Master Policy can be reviewed at the Motor Club’s home office located at 3200 W Wilshire Blvd, Oklahoma City Ok 73116.





MCAE



DEFINITIONSThroughout this contract, "you" and "your" refer to the "named Member" shown on the Membership Card."Member" means You."We," "us," and "our" refer to Motor Club of America Enterprises, Inc., the company administering these services."Auto" means a self-propelled 4 wheel vehicle designed for use principally on public roads and which is one of thefollowing types:

a. A private passenger or station wagon type auto;b. A pick-up or panel truck.

"Your covered auto," when used in this contract, includes any auto you are using with the permission of the owner..SECTION A - EMERGENCY ROAD SERVICE AND TOWING

We will pay the reasonable service charge of garage or service station whenever you are prevented from driving yourcovered auto because of a problem occurring on the road. See your membership card for instructions as to how toobtain service. Help will be sent to the location of your covered auto if it is in an area that is accessible to the servicetruck. If safe conditions permit, stay with your covered auto until service truck arrives.We will pay the reasonable service charge to get your covered auto on its way but will not pay for any parts installedby the serviceman.If the serviceman is not able to get your covered auto on its way within one half-hour of his arrival, you may have it towed tothe nearest available garage. We will pay the reasonable charge for the tow but will not pay any additional charges if you requestto be towed to somewhere other than the nearest garage.If you cannot obtain service by using our toll-free number and must call a local garage, pay the garage or servicestation for the service performed, ask for the original receipted bill and send it to us within 90 days for reimbursement.We will reimburse you the reasonable charge for the service performed up to $100.00; a second charge for the samedisablement is not covered.This service also includes:

a. Replacing a flat tire with your inflated spare tire or towing your covered auto to the nearest garage if you don't have a spare tire;b. Opening locked doors.




b. We must receive the above information in full in the home office at least ten business days prior to your court

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UN-701-1014


Oklahoma City, OK. 731161-800-227-6459


Enterprises, Inc.

Security

date. When we receive the completed information, we will process and forward it to the Provider Attorneywho will handle the case in the jurisdiction where it was received. If any problems develop, we will try to contactyou. Keep in touch with us!





II. If you are driving your covered auto, then we will pay a Provider Attorney up to $2000.00 to defend you against non-commercial covered charges of auto manslaughter, auto assault and battery, or vehicular homicide, provided you complywith I. a.) through e.) above. The maximum fees we will pay are as follows: $250.00 for preliminary proceedings; after indictment, $250.00 for each trial day. The maximum for preliminary proceedings and trial days is $2,000.00.

III. If your auto sustains damage as a result of an automobile accident, we will pay up to $500.00 to retain an attorney toassist in the collection for such damages. Accident must be reported to the state or local police and a copy of the officer'sreport must be submitted with your claim.

IV. If you receive personal injuries while driving or riding in an auto or as a result of being struck by an auto while walking, wewill pay up to $500.00 to retain an attorney to assist in the collection of compensation for any such personal injuries.Accident must be reported to the state or local police and a copy of the officer's report must be submitted with your claim.


SECTION D - GUARANTEED ARREST BOND CERTIFICATEThe Member is authorized to request courts and public officers to accept our $500.00 Arrest Bond Certificate printed on theMembership Identification Card. This Certificate guarantees the Member's appearance in court if the Member is arrested fora motor vehicle law violation. If the Member fails to appear, we will pay the fine up to $500.00 but the Member must reim-burse us.Although this certificate will be accepted in many states, in some states Arrest Bond Certificates are not acceptable,and in other states they are accepted for lesser amounts than $500.00. States accepting Arrest Bonds less than$500.00 are Alabama $300.00; Arizona $300.00; Illinois $160.00 for any single offense, or $500.00 for multiple offenses arisingout of the same occurrence; Arkansas, Colorado, Connecticut, Idaho, Iowa, Louisiana, Michigan, Mississippi, Nebraska, New Mexico,Ohio, Pennsylvania, Texas and Wisconsin $200.00. No Arrest Bonds are acceptable in California.


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SECTION H - CREDIT CARD PROTECTIONWe will reimburse you for the financial loss which you sustain as the result of the loss or theft of your credit card(s) up to$50.00 for each card registered with us at the time of the loss or theft. The aggregrate we will pay for all cards lost or stolenshall not exceed $1000.00.



SECTION K - PERSONAL ACCIDENT INSURANCEThe Member is covered by a policy of insurance which pays benefits in case of injury, death or dismemberment as theresult of an automobile accident. A certificate of insurance that explains the benefits provided by the policy will be given tothe Member with this Membership Contract.Coverage provided by Individual Assurance Company of Edmond, OK 73013.


CONTRACT AND TERRITORYThis contract applies only:1. During the contract period which begins upon receipt of payment of your Membership fees and ceases immediately upon termination; and2. Within the United States of America, excluding its territories or possessions and within Canada, except SECTION L which is applicable worldwide.


EXCLUSIONSThis contract will not cover the following:1. When any auto is operated without permission of the owner.2. Reimbursement for any bill which is false or fraudulent or has been submitted after 90 days from the date of service.3. Service for commercial vehicles, vehicles being used for hire, trucks with a licensed load capacity in excess of one (1) ton, buses, trailers, tractors, or vehicles of dual wheel class.

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4. Removal of snow or ice from or around your covered auto, or from any driveway or premises, or street, highway or parking area.5. All parts of auto, rental battery, return of rental battery, supplies or accessories furnished by garage or service station, repairs to door locks, new keys, and opening of rear deck.6. All repairs and materials used in repairing a flat tire, or a second trip by the garage for the same service call.7. All repairs to skid chains and snow tires, balancing of snow tires, rotating of tires and dismounting of skid chains or snow tires.8. Under Section B, D, and E, when any driver of the auto is charged with driving under the influence of intoxicating liquors, narcotics or psychedelic drugs; or does not have a valid operator's permit; or leaves the scene of the accident without disclosing his identity; or does not stop after hitting a person or object (hit and run driver).9. Under Section B, all court costs, experts’ fees, witnesses' fees, subpoenas, photographs, maps and fines.


TERMINATIONNon-Payment - If your Membership fee is not received within 30 days of the effective date, your Membership contract andall benefits will automatically terminate as of the effective date without further notice to you.Request of Named Member - You can cancel this Membership by returning the contract and Membership Card to usalong with a written notice advising us to cancel..Request of Company - We can cancel this Membership by mailing you a written notice advising you when yourMembership will be cancelled.Return of Unearned Membership Fee - If you or we cancel your Membership, the unearned fee (cancellation date toexpiration date) will be computed on a pro-rata basis. If you are entitled to a refund, it will be sent to you as soon aspossible after the processing of the cancellation.Excessive Service - The road service benefit is intended for use only in emergencies. Excessive use of this serviceusuallyindicates a vehicle in need of maintenance or repair. We can cancel your Membership if we consider your use of emergencyroad service excessive.



Secretary President



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Tel # 800-227-6459


Eligibility: The Named Member on all active MCA Security paid-to-date memberships in good standing of the Motor Club of America Enterprise, Inc. (referred to as “Motor Club”). Period of Coverage: All Eligible members are covered as long as their membership is in force and in good standing. Your coverage will end on the earlier of the date: 1) The Master Policy is terminated; 2) You are no longer eligible; or 3) The period ends for which your membership is paid. Definitions: Accident means a sudden, unexpected and unintended, specific and abrupt event that occurs by chance at an identifiable time and place during the Policy term. Covered Accident means an Accident that occurs anywhere in the world while you are a driver or passenger riding in or on, boarding, or getting off, a private passenger automobile that results in a Covered Loss. Covered Loss means a loss which meets the requisites of one or more benefits, resulting from a Covered Injury, and for which benefits are payable under the Policy. Covered Injury means an Injury directly caused by accidental means which is independent of all other causes and results from a Covered Accident. Injury means a bodily Injury. You/Your means a person eligible under the Policy. Emergency Room means a trauma center or a special area in a Hospital that is equipped and staffed to give people emergency treatment on an outpatient basis. An Emergency Room is not a clinic or doctor’s office. Hospital means an institution that: 1) operates as a Hospital pursuant to law for the care, treatment, and providing of in-patient services for sick or injured persons; 2) provides 24-hour nursing service by Registered Nurses on duty or call; 3) has a staff of one or more licensed doctors available at all times; 4) provides organized facilities for diagnosis, treatment and surgery; 5) is not primarily a nursing care facility, rest home, convalescent home, or similar establishment, or any separate ward, wing or section of a Hospital used as such; and is not a place for drug addicts, alcoholics, or the aged. Confined in a Hospital means a Hospital Stay of 24 or more consecutive hours as a registered resident bed-patient in a Hospital. Hospital Stay must meet the following: 1) be at the direction and under the care of a Doctor; 2) Begin within 30 days of a Covered Injury; 3) begin while Your coverage of this plan is in effect. Doctor means a licensed heath care provider acting within the scope of his or her license and rendering care or treatment to You that is appropriate for the conditions and locality. It does not include your immediate family or household. Accidental Death or Dismemberment Benefit: We will pay the benefit shown below if Injury or death occurs due to a Covered Accident, 24 hours a day, anywhere in the world, subject to the limitations listed below. If Your Injury results in any of the following losses within 90 days after the date of the Covered Accident, We will pay the amount shown below for that loss. If multiple losses occur (such as the Loss of sight in Both Eyes and the Loss of One Foot), only one Benefit Amount, the largest, will be paid for all losses due to the same Covered Accident. Principal Sum: $10,000 Description of Loss Indemnity Life; Both Hands; Both Feet; One Hand and One Foot, Sight of both Eyes; Principal Sum Speech and Hearing; Loss of Use of Four Limbs Loss of Use of Three Limbs 3 / 4 Principal Sum Loss of Use of Two Limbs 2 / 3 Principal Sum Speech or Hearing; One Hand, One Foot, or Sight of one Eye 1 / 2 Principal Sum One Hand and One Foot; Either Hand or Foot and Sight of One Eye 1 / 4 Principal Sum The term “Loss” means, with regard to hands and feet, actual severance through or above wrist or ankle joint, and with regard to eyes, entire irrecoverable loss of sight. The term “Loss of Use” shall mean total paralysis of a limb or limbs which is determined by competent medical authority to be permanent, complete and irreversible. Emergency Room Benefit: If You suffer an Injury resulting in a Covered Loss that requires Emergency Room Treatment for You, We will pay up to $700 for the following Emergency Room outpatient treatments: Ambulance Service to or from the Emergency Room Up to $100 Anesthetics Up to $100 X-Rays Up to $100 Emergency Room Up to $100 Casts and Splints Up to $100 This benefit will be paid for a maximum of four (4) visits for Emergency Room Treatment per Policy year. In-Hospital Indemnity Benefit: If You suffer a Covered Injury resulting in a Covered Loss that requires You to be confined in a Hospital within 30 days of the Covered Injury, We will pay a daily benefit of $150.00 per day for each day You are Confined in a Hospital up to a maximum of 365 days. Exclusions and Limitations: We will not pay benefits for any loss or Injury that is caused by, or results from, either directly or indirectly: purposely self-inflicted Injury; suicide or attempted suicide; war or any act of war, whether declared or not; service in the military, naval or air service of any country; sickness, disease, or any bacterial infection except pus forming infections from an accidental cut or wound; travel or flight in any aircraft except as a passenger, riding in or on, boarding, or getting off any civilian aircraft with a current and valid standard category airworthiness certificate which is being operated by a pilot with current and valid medical certificate and a pilot certificate with proper rating to pilot such aircraft; pregnancy, including childbirth, but not including complications thereof; or contributed to, either directly or indirectly, by the Insured being intoxicated or under the influence of any controlled substance, unless such controlled substance was prescribed by a physician and taken in accordance with the prescribed dosage. If You suffer more than one loss as a result of the same Accident, We will pay only one benefit, the largest benefit. Claim Administration: The Cover Person or beneficiary, or someone on his or her behalf, must give us written notice within 90 days of the accident. The notice must name the Covered Person and the policy number GTU-4379457. Send the notice to Motor Club of America Enterprises, Inc., 3200 W Wilshire Blvd., Oklahoma City, OK 73116. We will send you the claimant Proof of Loss forms within 15 days after we get the notice. Written Proof of Loss must be sent to us within 90 day of the loss for all coverage. Beneficiary Designation: Loss, if any, as respects accidental death of the Covered Member shall be payable to the beneficiary or beneficiaries as designated in writing by the Covered Member and on file with the Motor Club, or if none so designated, then the first surviving class of the following class of beneficiaries: 1) Spouse of Covered Member; 2) children equally, if living; 3) parents, equally, or to the survivor; 4) brothers or sisters equally, or to the survivor(s); 5) estate of the Covered Person. All other indemnities shall be payable to the Covered Person. This is a brief description of the important features of the coverage. It is not a contract of insurance. The terms and conditions of coverage are set forth in GTU-4379457, issued to the Motor Club of America Enterprises, Inc. Coverage may not be available in all states or certain terms or conditions may be different if required by state law. Please keep this information as a reference. The Master Policy can be reviewed at the Motor Club’s home office located at 3200 W Wilshire Blvd, Oklahoma City Ok 73116.




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